La pensi\u00f3n que otorga Colpensiones es de \u201cBeneficio Definido\u201d, de tal manera que los afiliados al sistema deben completar los requisitos exigidos (edad y semanas de aportes), para tener derecho a la pensi\u00f3n que dicho instituto otorga.<\/p>\n
Como su nombre lo indica, se trata de una pensi\u00f3n para la cual hay una f\u00f3rmula de c\u00e1lculo, en el caso de la pensi\u00f3n de vejez que hoy en d\u00eda otorga Colpensiones, la f\u00f3rmula fue establecida en la Ley 797\/2003, la primera parte de la f\u00f3rmula es la siguiente:<\/p>\n
% Min = 65.5 – 0.5 IBL \/ SalMin<\/p>\n
Donde:<\/p>\n
- \n
- % Min: Porcentaje m\u00ednimo de pensi\u00f3n, no puede ser inferior a 55%.<\/li>\n
- IBL: Ingreso Base de Liquidaci\u00f3n, se trata del promedio de aportes al sistema de los \u00faltimos 10 a\u00f1os (actualizado con IPC) o de toda la vida laboral, el que sea m\u00e1s conveniente. Usualmente corresponde al de los \u00faltimos 10 a\u00f1os.<\/li>\n
- SalMin: Salario m\u00ednimo.<\/li>\n<\/ul>\n
Esta f\u00f3rmula otorga un porcentaje de pensi\u00f3n o tasa de reemplazo sobre el IBL que es menor para personas que tienen bases altas de cotizaci\u00f3n, es decir, se trata de una f\u00f3rmula progresiva, pues las personas que tienen ingresos m\u00e1s altos y que, por lo tanto, hacen una cotizaci\u00f3n m\u00e1s alta que personas de ingresos menores, obtienen una pensi\u00f3n relativamente menor.<\/p>\n
La tasa de reemplazo final se calcula de la siguiente manera (\u2514 \u2518significa la parte entera de un n\u00famero, \u25143.9\u2518= 3, \u25144.1\u2518 = 4):<\/p>\n
% Final = % Min + 1.5 \u2514(Semanas \u2013 1,300) \/ 50\u2518<\/p>\n
Es decir, cotizar m\u00e1s de las semanas m\u00ednimas aumenta la pensi\u00f3n, por cada 50 semanas el porcentaje aumenta en 1.5%, la Ley 797\/2003 lo dice de la siguiente manera: \u201cpor cada cincuenta (50) semanas adicionales a las m\u00ednimas requeridas, el porcentaje se incrementar\u00e1 en un 1.5% del ingreso base de liquidaci\u00f3n\u201d<\/em>.<\/p>\n
La m\u00e1xima pensi\u00f3n que otorga dicha ley se obtiene con 1,800 semanas de cotizaci\u00f3n, de tal manera que la tasa de reemplazo con estas semanas depende del IBL, as\u00ed:<\/p>\n
<\/p>\n
A partir de la Sentencia SL3501\/2022, de la Corte Suprema de Justicia (1), para liquidar la pensi\u00f3n de Colpensiones se deben tener en cuenta todas las semanas cotizadas al sistema, de tal manera que el nuevo tope es del 80%, pero debido a que la tasa de reemplazo depende del IBL, para mayores bases de cotizaci\u00f3n, se requieren m\u00e1s semanas de cotizaci\u00f3n, as\u00ed:<\/p>\n
<\/p>\n
Los saltos de la gr\u00e1fica anterior son el resultado de cruzar el umbral de 50 semanas de aportes, enalgunos casos cotizar una semana menos que el umbral hace que el porcentaje sea menor al 80%, por ejemplo 79.5%. El resultado de aplicar la f\u00f3rmula, con las semanas que se muestran en la gr\u00e1fica, hace que la pensi\u00f3n de vejez de Colpensiones sea del 80% del IBL.<\/p>\n
La Sala Plena de la Corte Constitucional (2), estableci\u00f3 como inconstitucional que las mujeres tengan que cotizar 1,300 semanas para pensionarse, de tal manera que mediante un fallo orden\u00f3 que las semanas de cotizaci\u00f3n a Colpensiones disminuyan para ellas de manera gradual. Al momento de escribir este art\u00edculo no es clara la implementaci\u00f3n de este cambio; el Congreso lo deber\u00e1 reglamentar, en caso de que no lo haga, la disminuci\u00f3n en estas semanas ser\u00e1 como lo plante\u00f3 la Corte Constitucional as\u00ed:<\/p>\n
\n\n
\n A\u00f1o<\/strong><\/td>\n Disminuci\u00f3n<\/strong><\/td>\n Semanas Requeridas<\/strong><\/td>\n<\/tr>\n \n 2025<\/td>\n 50<\/td>\n 1,250<\/td>\n<\/tr>\n \n 2026<\/td>\n 25<\/td>\n 1,225<\/td>\n<\/tr>\n \n 2027<\/td>\n 25<\/td>\n 1,200<\/td>\n<\/tr>\n \n 2028<\/td>\n 25<\/td>\n 1,175<\/td>\n<\/tr>\n \n 2029<\/td>\n 25<\/td>\n 1,150<\/td>\n<\/tr>\n \n 2030<\/td>\n 25<\/td>\n 1,125<\/td>\n<\/tr>\n \n 2031<\/td>\n 25<\/td>\n 1,100<\/td>\n<\/tr>\n \n 2032<\/td>\n 25<\/td>\n 1,075<\/td>\n<\/tr>\n \n 2033<\/td>\n 25<\/td>\n 1,050<\/td>\n<\/tr>\n \n 2034<\/td>\n 25<\/td>\n 1,025<\/td>\n<\/tr>\n \n 2035<\/td>\n 25<\/td>\n 1,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n Estas son las semanas m\u00ednimas requeridas para las mujeres, seg\u00fan el mencionado fallo de la Corte Constitucional. Este cambio en las semanas de cotizaci\u00f3n para las mujeres, no se tuvo en cuenta en los an\u00e1lisis que se presentan en este art\u00edculo.<\/p>\n
Planear el retiro es una decisi\u00f3n de vida, en Habitudes.co podemos ayudarle a planear su retiro, por medio de la cuantificaci\u00f3n de todos los escenarios posibles, con los cuales podemos contestar todas las preguntas que tenga de c\u00f3mo ser\u00e1 en cuesti\u00f3n de cifras reales su futura pensi\u00f3n de vejez.<\/p>\n
Fuentes:
\n1) Compilaci\u00f3n Jur\u00eddica de Colpensiones,
\nhttps:\/\/normativa.colpensiones.gov.co\/compilacion\/docs\/CSJ_SCL_SL3501_2022_2022.htm, consulta de 30-Oct-2023.<\/h6>\n2) Corte Constitucional
\nhttps:\/\/www.corteconstitucional.gov.co\/noticia.php? Corte-declara-inconstitucional-la-exigencia-de-1300-semanas-de-cotizaci\u00f3n-para-que-las-mujeres-obtengan-la-pensi\u00f3n-de-vejez-9515, consulta de 30-Oct-2023.<\/h6>\n","protected":false},"excerpt":{"rendered":"En este art\u00edculo se expone la estructura de la pensi\u00f3n de Colpensiones, se muestra la f\u00f3rmula de c\u00e1lculo de la misma, y se discute el cambio normativo que a finales del 2022 estableci\u00f3 que el tope de la pensi\u00f3n puede llegar al 80% sobre la base de aportes. Utilizando estos elementos, se muestra la cotizaci\u00f3n […]<\/p>\n","protected":false},"author":1,"featured_media":5809,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-4943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personas"],"yoast_head":"\n
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